ZIP code 08731

ZIP 08731 is a mid-size town in Ocean County, New Jersey, with 21,136 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #162 of 598 ranked by population — larger than 73% of them. The median age here is 47.5 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 08731 earn a median of $93,267 a year, 18.8% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 5.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 08731 is valued at $360,000, 18.7% above the national figure, while median gross rent runs $2,080 a month, 47.9% above the national figure, or roughly $24,960 across a full year. A household on the local median income would put about 26.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 85.5% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 08731 is tabulated inside Ocean County, New Jersey, one of 29 ZIP areas the Census publishes for that county and 598 across New Jersey. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 08731 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 08731 reports a median household income of $93,267, 8% below the $101,648 county median, and 15% below the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $360,000, 7% below the county figure and 15% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $2,080 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New Jersey charges 6.625% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 08731.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 08731 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.